Policy Expert Home Insurance Reviews

  Ratings based on 3,423 reviews       Last review 2 days ago    
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Our Policy Expert Home Insurance reviews can help you to find out what life as a Policy Expert customer is really like. And if you have experience of using this product, why not write your review on Smart Money People today?

Overall Rating

Amazing

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Policy Expert Review Insight

What are people saying in their reviews?

Price & Interest Rates

64% of feedback is Process related

Customer profile

Top Age Profile: 45-54

Top Channel Preference: Online

Insurance Choice Awards logo Winner of 'Best Home Insurance Provider' in the 2017 Insurance Choice Awards

Your Home Insurance Reviews

3,423 reviews

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not recommend

I get quote with good price from them but unfortunately when I phoned them and told my car was write off as cat C in 2016 they said not going to insure my car. I insuring car with others insurance providers without any problems. Zero stars for policy... Read more

I get quote with good price from them but unfortunately when I phoned them and told my car was write off as cat C in 2016 they said not going to insure my car. I insuring car with others insurance providers without any problems. Zero stars for policy expert

Reviewed on 21st October 2021
Marius Ceikauskas's avatar
Marius Ceikauskas
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Quick and easy

Policy Expert have taken care of our needs admirably.... and extremely competitively, very happy and feel in secure hands.

Reviewed on 16th October 2021
John's avatar
John
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Experts in technicalities and loopholes but not customer service

Don't bother trying to claim. Made a claim for £235 following a break-in. Excess £150 so sum total of £85 claim. They used technicalities to avoid paying and would rather instruct a surveyor to visit the property at xx cost to support their loop hole r... Read more

Don't bother trying to claim. Made a claim for £235 following a break-in. Excess £150 so sum total of £85 claim. They used technicalities to avoid paying and would rather instruct a surveyor to visit the property at xx cost to support their loop hole rather than pay £85. Unbelievably poor customer service

Reviewed on 28th September 2021
Steve D's avatar
Steve D
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Great and quick experience

Quick quote and fair price, overall great experience!

Reviewed on 10th September 2021
Regi's avatar
Regi
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Great until you make a claim

Stay away from this insurance!! The reason why they offer cheap insurance is because they don't fight to win claims (which drag over 12 months) and they use cowboy builders to do their repairs through Trinity Claims. I have gone through the worse... Read more

Stay away from this insurance!! The reason why they offer cheap insurance is because they don't fight to win claims (which drag over 12 months) and they use cowboy builders to do their repairs through Trinity Claims. I have gone through the worse experience for a water damage which came from my neighbours' bathroom and 14 months later, I am left with no reimbursement of my £500 excess, (as my neighbours insurance said they wouldn't pay and that was that), and a higher home insurance (because I made a claim) with another insurance as I wasn't go through this again, ever! The repairs took 6 months to be finished and were done as cheaply as possible to the lowest standard. This experience caused me a lot of heartache and worries from the summer 2020 through to when the wall was repaired in December 2020 (!)and now, 14 months later, they did not bother letting me know of the outcome until I called them. My messages were left unanswered on the Trinity Claim platform for months and really, I have never come across so many inefficient people under one company! Lesson learnt: if it's too good to be true, don't trust it!

Reviewed on 6th September 2021
Nelly Lebreton's avatar
Nelly Lebreton
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Not a transparent servife

I can only tell you about my experience. I had a small important repair job thst needed to be done on my roof.  I put in a claim and was led down the path of a surveyor being sent out only to be told the problem was caused by wear and tear not storm ... Read more

I can only tell you about my experience. I had a small important repair job thst needed to be done on my roof.  I put in a claim and was led down the path of a surveyor being sent out only to be told the problem was caused by wear and tear not storm damage. Fair enough but I could have been told on the phone. Ok, a bit inconvenient but fair enough. So I got the necessary repair done but Policy Expert cancelled my insurance because the work wasn't done through them. Bizarre! Remember, with this insurance company it seems to me you can't, in my experience, do any repairs to your house unless the contractor and work are approved by them. I was not told this by their surveyor and in fact he said it was a small job and wouldn't take long for me to get done. Imagine, maybe you have to call in an electrician, approved by them, to change a light bulb in case someone gets electrocuted! It seems laughable. 






Reviewed on 21st August 2021
Dave Justice's avatar
Dave Justice
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House Insurance Claim

Due to heavy rainfall and and old felt roof my ceiling collapsed one sunny afternoon 2 weeks ago. I contacted policy expert the following morning and a surveyor texted me within minutes arranging to come over and assess the damage. After a thorough... Read more

Due to heavy rainfall and and old felt roof my ceiling collapsed one sunny afternoon 2 weeks ago. I contacted policy expert the following morning and a surveyor texted me within minutes arranging to come over and assess the damage. After a thorough assessment I was informed of the amount that would be paid to me within 2 days the money had been paid into my bank account which was really pleasing. Thank you policy expert on your professionalism and efficiency.

Reviewed on 30th June 2021
Sharon Stone's avatar
Sharon Stone
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Pay cheap you get cheap

Cheap for a reason they go out there way to pay out as little as possible or not at all, Claims are dealt with by Trinity Claims formally Trinity M Ltd who string out claims for as long as possible, in my case 19 months. Legal cover is free for reason... Read more

Cheap for a reason they go out there way to pay out as little as possible or not at all, Claims are dealt with by Trinity Claims formally Trinity M Ltd who string out claims for as long as possible, in my case 19 months. Legal cover is free for reason as it looks good when taking out insurance but not worth the print.
Leave Policy Expert a bad review on Trustpilot and they reply with complete rubbish, the reason for this is they take no responsibility for the way in which they treat customers who they have left to cover the cost themselves. You might as well have no home insurance at all. Worst Insurance company I have ever dealt with but quick enough to take your money.

Reviewed on 28th June 2021
Cindy B's avatar
Cindy B
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Check the excess

Floor damaged due to appliance fault cost to replace is approx £500 excess required £600.checked with other companies ranged £400/£450. RIP off

Reviewed on 21st June 2021
Phil Sykes 's avatar
Phil Sykes
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Worst insurance company

Would not recommend this company it's cheap for a reason they go out their way to pay out as little as possible if they pay out at all leaving you to cover cost yourself. Customer care is none exsistent, biggest mistake I made putting my Home... Read more

Would not recommend this company it's cheap for a reason they go out their way to pay out as little as possible if they pay out at all leaving you to cover cost yourself. Customer care is none exsistent, biggest mistake I made putting my Home Insurance with them. Claims dealt with by Trinity Claims also known under Trinity M Ltd who are the worst, Legal Cover is not worth the print as no ideal on property law. Only have to read reviews left by customers who have been left paying out themselves on Trustpilot. Take no responsibility for appalling way in which they treat customers, only interested in taking your money, as your are not covered for anything under the small print in policy. Disgraceful company.

Reviewed on 19th June 2021
Cindy B's avatar
Cindy B
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Incompetent handling of my Key Cover Policy

I purchased annual Key Cover with my house and contents insurance on 8th June with a start date of 17th, on receiving my olive documents and information leaflets it became apparent that I had not received the Key Fob that I have to register and... Read more

I purchased annual Key Cover with my house and contents insurance on 8th June with a start date of 17th, on receiving my olive documents and information leaflets it became apparent that I had not received the Key Fob that I have to register and attach my keys to. I contacted Policy Expert only to (eventually) told that they had not passed my details onto Key Cover so Key Cover have not sent our a key fob as they are unaware that I am a policy holder!! I was not given any assurance that my details would be passed to Key Cover today so who knows how long I will wait for my key fob. If my keys are lost or stolen or I lock myself out if my car or home who knows if I’m coveted despite having paid my premium over a week before the policy start date. The individuals I spoke to at Policy Expert were very polite however someone did not do their job properly so I would not recommend this company .

Reviewed on 17th June 2021
Lesley Cutlet's avatar
Lesley Cutlet
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Avoid this company they are untrustworthy

RIP OFF AVOID…AVOID... A... Read more

RIP OFF AVOID…AVOID... AVOID
Terrible company SUCH A RIP OFF AVOID AVOID AVOID!
I was burgled and POLICY EXPETT a trading name of QMetric Group Ltd have decided they will void my insurance because get this.... I was apparently UNDER INSURED in my eyes what an absolute rip off they won’t pay us a penny because they say we had too many valuables. Best of it is they valued our loss (mostly family heirlooms with little monitory value but huge sentimental value ) way above what we told them it was worth. I still can not believe they voided my insurance and now I am black listed. my wife and daughter are devastated please DO NOT TRUST THIS COMPANY AND TELL YOUR FRIENDS! AVOUD AVOID AVOID you will have problems

Reviewed on 22nd December 2020
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AdamF
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Good value home insurance

Recent purchase of home insurance is the second occasion in recent years. I left the first time because Co-Op were offering 17.5% commission to easyfundraising which helped our granddaughter’s school trip to Belize helping a water project charity. H... Read more

Recent purchase of home insurance is the second occasion in recent years. I left the first time because Co-Op were offering 17.5% commission to easyfundraising which helped our granddaughter’s school trip to Belize helping a water project charity. However, the Co-Op renewal couldn’t repeat this arrangement without surrendering no claim bonus. So, “shopped around” and re-discovered very competitive terms again with Policy Direct - I’m back! We still do easyfundraising for younger granddaughter’s PTA - can Policy Expert consider a far more generous commission and include renewals? Otherwise Policy expert are easily best value around.

Reviewed on 19th September 2020
Tony Pell's avatar
Tony Pell
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excellent service

good value for money and easy to switch

Reviewed on 18th September 2020
Zurnain Siddiqui's avatar
Zurnain Siddiqui
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Great firm

Website very easy to use, great prices and service

Reviewed on 18th September 2020
Anne Robertson's avatar
Anne Robertson
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Easy, fair price!

Easy to get a quote, lots of cover included at Fair price.

Reviewed on 14th September 2020
Anna's avatar
Anna
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Simply the best :)

Policy expert insurance was a super deal giving value for money. The communications was awesome and swift. Keep it up Policy Expert. Hope to see you next year as well !

Reviewed on 14th September 2020
Ian da Costa's avatar
Ian da Costa
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Good insurance reasonable prices

Everything was explained and done quickly with customer service at all times

Reviewed on 14th September 2020
Jeffrey Jones's avatar
Jeffrey Jones
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Easy to speak to a PERSON

I spoke to them in person which is amazing in this day and age, told them what I required in the way of cover. Very competitive so accepted on the spot. Obviously I cannot speak of what they are like if I had to make a claim so fingers crossed that... Read more

I spoke to them in person which is amazing in this day and age, told them what I required in the way of cover. Very competitive so accepted on the spot. Obviously I cannot speak of what they are like if I had to make a claim so fingers crossed that the next 12 months will be problem free. Thank you

Reviewed on 14th September 2020
Jacque Tomson's avatar
Jacque Tomson
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Terraced House

To renew our home insurance, initially searched on various websites to find the appropriate and best priced offer. Policy expert price was very competitive with free legal and home emergency included for no extra charge.

Reviewed on 14th September 2020
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K. Mughal
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